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Service Retirement Eligibility
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The two (2) types of service retirement available are "Unreduced Benefit" and "Reduced Benefit" retirement.

A. Unreduced benefit retirement

  • Members with twenty-seven (27) or more years of active Kentucky service regardless of age may retire with no reduction in benefits.
  • Members with five (5) or more years of active Kentucky service who are at least age sixty (60) may retire with no reduction in benefits.

B. Reduced benefit retirement Members age fifty-five (55) or more but less than age sixty (60) who have five (5) or more years of Kentucky service, but less than twenty-seven (27) years of service, may retire with reduced benefits. The reduction rate is 5% for each year the member's age is less than sixty (60) or 5% for each year the member's Kentucky service is less than twenty-seven (27) years, whichever is the lesser number.

The member's age is considered as the age attained on the first day of the month following the member's date of birth. For ALL service retirements, the properly completed KTRS Retirement Application (F-23) along with the health insurance application must be submitted by the FIRST day of the month BEFORE the month the retirement becomes effective. For example: For a January 1st retirement date, the KTRS Retirement Application (F-23) must be submitted by December 1st. Although KTRS counselors are available to answer questions about effective retirement dates, it is solely the member’s responsibility to select a retirement date that best suits his or her retirement plans

Members who have established membership and maintained active accounts in more than one state-funded retirement system (the Kentucky Employees' Retirement System, the County Employees' Retirement System, the State Police Retirement System, the Legislators' Retirement Plan, the Judicial Retirement System, or the Kentucky Teachers' Retirement System) may determine their eligibility for retirement benefits by combining service credit in all systems.

479 Versailles Road, Frankfort, Kentucky 40601 / Phone: 1-800-618-1687